Product Disclosure Statements (PDS) | NobleOak Life Insurance

Insurance options
Insurance options
NobleOak offers a full suite of award-winning Personal Insurance products, allowing you to choose a combination of covers that’s right for you.
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- Life Insurance
  Life Insurance
  With Life Insurance, NobleOak provides cover in case you die or become terminally ill, helping to clear debts and support your family.
  Life Insurance
  
  Get a Life Insurance quote
  
  Life Insurance calculator
  
  Recommended Reading
  
  Important things to consider before applying for life insurance
  
  What is Life Insurance? A short guide on understanding the basics
- Income Protection Insurance
  Income Protection Insurance
  Receive regular payments during your benefit period to replace some of your income if you suffer a sickness or injury and can no longer work.
  Income Protection Insurance
  
  Get a Income Protection quote
  
  Income Protection FAQs
  
  Recommended Reading
  
  Five things to consider when thinking about Income Protection
  
  How long does income protection insurance last for?
- Total & Permanent Disability Insurance
  Total & Permanent Disability Insurance
  Receive a lump sum payment if you become permanently disabled as the result of a sickness or injury and are unable to return to work.
  Total & Permanent Disability Insurance
  
  Get a TPD Insurance quote
  
  Recommended Reading
  
  FSC & TPD Claims Initiative – For customers impacted by COVID 19
- Trauma Insurance
  Trauma Insurance
  Receive a lump sum payment with your recovery if you are diagnosed with one of 37 serious medical conditions listed within our PDS.
  Trauma Insurance
  
  Get a Trauma Insurance quote
  
  Recommended Reading
  
  Do You Need Trauma Insurance? (And Some Key Tips for Finding the Right Policy)
  
  Does my Life Insurance cover continue if I make a Trauma Insurance claim?
- Life Insurance within an SMSF
  Life Insurance within an SMSF
  With NobleOak, you can apply for comprehensive Life Insurance cover within your SMSF. We also offer optional TPD Insurance cover.
  Life Insurance within an SMSF
  
  Get a Life Insurance quote
  
  Recommended Reading
  
  4 Reasons Life Insurance and SMSFs work better together
  
  Benefits and limitations of borrowing through your SMSF
- Business Expenses Insurance
  
  Business Expenses Insurance
  Receive a monthly payment during your benefit period in case you can’t work due to sickness or injury, to help cover the fixed running costs of your business.
  Business Expenses Insurance
Tools and guides
Tools & Guides
When it comes to Life Insurance we want you to be confident you are choosing the right cover to protect your loved ones. To help you do your homework we’ve created useful tools and guides.
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- Tools and guides
  Tools and guides
  NobleOak has over a 140 year history with links to an ancient Druid past, guided by integrity.
  Tools and guides
  
  Life Insurance Comparison
  
  Understanding Your Insurance Premiums
- Life Insurance calculator
  
  Life Insurance calculator
  It can be difficult to know how much cover you need. We've made it easy with our Life Insurance Calculator, which can help you calculate the amount of cover you and your family need.
  Life Insurance calculator
- Life Insurance guides
  Life Insurance guides
  Explore our life Insurance guides for information about the value of Life Insurance for key life stages from starting out as a young adult, to downsizing and retiring.
  Life Insurance guides
  
  Starting out
  
  Getting married
  
  Getting a mortgage
  
  Raising a family
  
  Seniors
  
  Writing a will
  
  Planning a funeral
  
  Coping with bereavement
- FAQs
  FAQs
  From products to processes we’ve created a collection of FAQs to help you understand and manage your cover with NobleOak.
  FAQs
  
  Life Insurance FAQs
  
  Income Protection FAQs
  
  TPD FAQs
  
  Trauma FAQs
- News and media
  News and media
  NobleOak has been serving customers for over 140 years. Here, you’ll find our latest press releases, links to blog articles, and information for media enquiries.
  News and media
  
  Media releases
  
  Research Reports
  
  Insights
  
  Industry Reports
Existing customers
Existing customers
Our friendly Australian based Life Insurance specialists are here to answer any questions you may have about your NobleOak Life Insurance.
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- Existing customers
  Existing customers
  At NobleOak, we use clear communication at all times and avoid jargon. We aim to make Life Insurance simple and straightforward, starting with our friendly Australian-based Client Services team.
  Existing customers
  
  How Can NobleOak Support You
  
  Client forms
  
  Existing customer FAQs
  
  Cancellation Request
  
  Income Protection and TPD Re-pricing FAQs
- Make a claim
  
  Make a claim
  We pride ourselves on paying genuine claims quickly and efficiently with genuine care.
  Make a claim
Claims
There for you when you need us most
Paying claims underpins the foundation of why we exist - to look after our customers.
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- Making a claim with NobleOak
  
  There for you when you need us most
  Paying claims underpins the foundation of why we exist - to look after our customers
  Making a claim with NobleOak
- Our claims philosophy
  
  Our claims philosophy
  At NobleOak, we pride ourselves on paying genuine claims quickly and efficiently with genuine care.
  Our claims philosophy
- Making a claim
  
  Make a claim
  We pride ourselves on paying genuine claims quickly and efficiently with genuine care.
  Making a claim
About us
There for you when you need us most
Paying claims underpins the foundation of why we exist - to look after our customers
Read More
- About Us
  About Us
  We provide quality cover you can trust with better service and lower premiums.
  About Us
  
  Our people
  
  Values & history
  
  Code of practice
  
  Recommended Reading
  
  NobleOak Recognised as Overall Excellence Winner in 2020 Plan For Life Awards
  
  NobleOak Leads the Way To Win ‘Best Life Insurer’ at the 2020 Finder Awards
- Awards
  
  Awards
  NobleOak is one of the most awarded Direct Life Insurers in Australia. We're proud to be independently recognised for our outstanding products and service.
  Awards
- Testimonials
  
  Testimonials
  We always put our customers needs first, and ensure they you receive excellent value for money, quality products and personalised service.
  Testimonials
- Working at NobleOak
  Working at NobleOak
  We are a close knit group of motivated and passionate people. We work as one team, support each other and do the right thing by our customers.
  Working at NobleOak
  
  Our values
  
  Your benefits
  
  Your learning & development
  
  Careers FAQs
  
  Employment Application Privacy Notice
- Corporate Governance
  Corporate Governance
  
  Board & Leadership Team
  
  Our Values
  
  Constitution
- Investor Relations
  Investor Relations
  
  ASX Announcements
  
  Media Releases
  
  Key Events
  
  Investor Centre

Insurance products

With Life Insurance, NobleOak provides cover in case you die or become terminally ill, helping to clear debts and support your family.
Insurance Products
- Life Insurance
  
  With Life Insurance, NobleOak provides cover in case you die or become terminally ill, helping to clear debts and support your family.
  Life Insurance
  
  Get a Life Insurance quote Life Insurance calculator
- Income Protection Insurance
  
  Receive regular payments to replace some of your income if you suffer a sickness or injury and can no longer work.
  Income Protection Insurance
  
  Get a Income Protection quote Income Protection FAQs
- TPD Insurance
  
  Receive a lump sum payment if you become permanently disabled as the result of a sickness or injury and are unable to return to work.
  TPD Insurance
  
  Get a Total & Permanent Disability quote TPD FAQs
- Trauma Insurance
  
  Receive a lump sum payment with your recovery if you are diagnosed with one of 37 serious medical conditions listed within our PDS.
  Trauma Insurance
  
  Get a Trauma Insurance quote
- Life Insurance within SMSF
  
  With NobleOak, you can apply for comprehensive Life Insurance cover within your SMSF. We also offer optional TPD Insurance cover.
  SMSF Life Insurance
  
  Get a SMSF quote Life Insurance within SMSF FAQs
- Business Expenses Insurance
  
  Receive a monthly payment in case you can’t work due to sickness or injury, to help cover the fixed running costs of your business.
  Business Expenses Insurance
  
  Business Expenses Insurance FAQs
Tools & guides

NobleOak has over a 140 year history with links to an ancient Druid past, guided by integrity.
Tools & Guides
- Tools and guides
  
  NobleOak has over a 140 year history with links to an ancient Druid past, guided by integrity.
  Tools and guides
  
  How do we compare?
- Insurance Calculator
- Understanding Your Insurance Premiums
- Life Insurance guides
  
  Explore our life Insurance guides for information about the value of Life Insurance for key life stages from starting out as a young adult, to downsizing and retiring.
  Life Insurance guides
  
  Starting out Getting a mortgage Seniors Planning a funeral Getting married Raising a family Writing a will Coping with bereavement
- FAQs
  
  Life Insurance FAQs Income Protection FAQs Trauma Insurance FAQs TPD FAQs
- News and media
  
  NobleOak has been serving customers for over 140 years. Here, you’ll find our latest press releases, links to blog articles, and information for media enquiries.
  News and media
  
  Media releases Research Reports Insights Industry Reports
Existing customers

At NobleOak, we use clear communication at all times and avoid jargon. We aim to make Life Insurance simple and straightforward, starting with our friendly Australian-based Client Services team.
Existing Customers
- Existing customers
  
  At NobleOak, we use clear communication at all times and avoid jargon. We aim to make Life Insurance simple and straightforward, starting with our friendly Australian-based Client Services team.
  Existing Customers
  
  Make a claim Existing Customer FAQs Income Protection and TPD Re-pricing FAQs Cancellation Request
- Make a claim
- Our claims philosophy
Insights
About Us

We provide quality cover you can trust with better service and lower premiums.
About Us
- About NobleOak
  
  We provide quality cover you can trust with better service and lower premiums.
  About NobleOak
  
  Our people Values and history Code of Practice
- Awards
- Testimonials
- Working at NobleOak
  
  We are a close knit group of motivated and passionate people. We work as one team, support each other and do the right thing by our customers.
  Working at NobleOak
  
  Our values Your learning & development Employment Application Privacy Notice Your benefits Careers FAQs
- Investors
Contact Us
There for you when you need us most

Paying claims underpins the foundation of why we exist - to look after our customers
Claims
- Claims
Insurance Products

Life Insurance

Income Protection Insurance

TPD Insurance

Trauma Insurance

SMSF Life Insurance

Business Expenses Insurance

Tools & Guides

Insurance calculator

Life Insurance guides

FAQs

Insights

Existing Customers

Client support

Make a claim

Customer forms

About us

About NobleOak

Testimonials

Awards

Careers

Media releases

Product Disclosure Statements

Learn more about the products that are available through NobleOak Life Limited.

Premium Life Direct - Available directly through NobleOak

This Product Disclosure Statement contains important information you should know about Premium Life Direct to help decide if it is right for you.

My Protection Plan - Marketed with our marketing partners

This Product Disclosure Statement contains important information you should know about My Protection Plan to help you decide if it is right for you.

FlexiCover - Marketed with our bank and credit union partners

This Product Disclosure Statement contains important information you should know about FlexiCover to help you decide if it is right for you.

Archive documents

Product Disclosure documents of previous products can be found on our Archive page. If you’re unable to find what you’re looking for, please call a member of the team on 1300 041 494.

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Australia's most awarded direct life insurer
six years running (2019 - 2024)

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